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30 seconds is all it takes to schedule a call with an expert life insurance advisor. No obligation and fee free, whats not to like.
With access to thousands of life insurance quotes, we’ll find the right cover to protect you and your families future.
We’ll handle life insurance for you, from the quote, to the application, and everything in-between.
That’s where we come in. Our dedicated team of life insurance advisors are passionate about helping you find the coverage that fits your unique needs and budget, so you can relax and focus on what truly matters.
We’ll answer your questions and guide you through the application process for a life insurance quote that’s made to withstand whatever comes your way.
Life insurance (sometimes known as life assurance) will pay out either a single lump sum (sum insured) or a regular income when you die. It can help provide financial security for people who depend on you, if the worst happens.
Although no amount of money can replace a loved one, life insurance can help those left behind to weather the financial storm left in your absence. For example, it could pay off your mortgage or provide an income to go towards regular household expenditure.
While it’s not essential, a life insurance advisor can save you time, money, and confusion by navigating the complex world of insurance and finding the best policies for your unique needs.
Be honest with your insurance advisor about your health, lifestyle, and risk factors. This will help them recommend the best coverage for you.
At GHL Direct, we believe expert guidance shouldn’t cost the earth. That’s why our initial consultations with our life insurance advisors are always completely free, with no obligation to buy.
Plus, here’s the cherry on top: Our fees are often built into the cost of your chosen policy, so you won’t face any surprise charges along the way.
Why is this important?
Because your peace of mind matters. We’re regulated by the FCA (Financial Conduct Authority), and it’s our duty to be transparent about any fees upfront. That way, you can focus on finding the perfect life insurance cover for your needs, without any worry.
Here’s a quick breakdown of the benefits:
Free, expert advice: Our advisors are here to answer your questions, compare policies, and guide you through the process. Think of them as your friendly navigators on the journey to life insurance certainty.
Transparent fees: No hidden costs, no surprises. Just clear, upfront information so you can make confident decisions.
FCA-regulated: We take our commitment to ethical and responsible advice seriously. You can trust us to put your needs first, always.
Some tips for choosing the right insurance policies for your needs:
– Consider your budget and your risk tolerance.
– Make sure that any policies you choose cover the risks that are most important to you.
– Compare insurance rates from different life insurance companies.
– Read the fine print carefully before you buy a policy.
– Talk to your life insurance broker if you have any questions.
– Don’t just look at the cost, the cheapest insurance quote isn’t always better.
– Don’t buy when you need it, it may be too late
This is the simplest type of life insurance. You choose how long you’re covered for, eg. 20 years (the term), and the policy pays out if you die within the agreed term. You can also take out term cover as a couple, with the policy paying out on the first death only during the term. There are several different types of policy:
— Level: The amount of cover and premiums remain the same
— Increasing: (or index-linked): The amount of cover and premiums gradually rise in line with inflation
— Decreasing: The amount of cover will reduce over the policy term; this is often used in conjunction with a repayment mortgage, where the amount of the loan outstanding reduces each year
— Renewable: You can extend the original term of the policy
— Convertible: Lets you convert the policy to whole of life insurance
Whole of life insurance pays out a lump sum when you die, whenever that is, as long as you are still paying the premiums.
GHL Direct is a trading style of GHL Network Services Ltd which is an Appointed Representative of The Openwork Partnership, a trading style of Openwork Limited, which is authorised and regulated by the Financial Conduct Authority. The information on this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. Will Writing, EPC Products & Conveyancing are not part of the Openwork offering and are offered in our own right. Openwork Limited accept no responsibility for this aspect of our business. Will Writing, EPC Products & Conveyancing are not regulated by the Financial Conduct Authority.
Approved by The Openwork Partnership on 30/01/23
